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Side-by-side financial comparison of Avidia Bancorp, Inc. (AVBC) and R F INDUSTRIES LTD (RFIL). Click either name above to swap in a different company.
Avidia Bancorp, Inc. is the larger business by last-quarter revenue ($26.8M vs $22.7M, roughly 1.2× R F INDUSTRIES LTD). Avidia Bancorp, Inc. runs the higher net margin — 22.9% vs 0.8%, a 22.1% gap on every dollar of revenue. Avidia Bancorp, Inc. produced more free cash flow last quarter ($24.1M vs $2.0M).
Avidia Bank is an American mutual community bank headquartered in Hudson, Massachusetts. It was founded in 2007 when it was formed by a merger between Hudson Savings Bank and Westborough Bank.
Tootsie Roll Industries is an American manufacturer of confectionery based in Chicago, Illinois. Its best-known products include the namesake Tootsie Rolls and Tootsie Pops. Tootsie Roll Industries currently markets its brands internationally in Canada, Mexico, and over 75 other countries.
AVBC vs RFIL — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $26.8M | $22.7M |
| Net Profit | $5.3M | $173.0K |
| Gross Margin | — | 36.8% |
| Operating Margin | 33.3% | 4.0% |
| Net Margin | 22.9% | 0.8% |
| Revenue YoY | — | 22.9% |
| Net Profit YoY | — | 172.7% |
| EPS (diluted) | — | $0.01 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $26.8M | $22.7M | ||
| Q3 25 | $28.0M | $19.8M | ||
| Q2 25 | $25.9M | $18.9M | ||
| Q1 25 | $22.9M | $19.2M | ||
| Q4 24 | — | $18.5M | ||
| Q3 24 | — | $16.8M | ||
| Q2 24 | — | $16.1M | ||
| Q1 24 | — | $13.5M |
| Q4 25 | $5.3M | $173.0K | ||
| Q3 25 | $-907.0K | $392.0K | ||
| Q2 25 | $3.9M | $-245.0K | ||
| Q1 25 | $-11.6M | $-245.0K | ||
| Q4 24 | — | $-238.0K | ||
| Q3 24 | — | $-705.0K | ||
| Q2 24 | — | $-4.3M | ||
| Q1 24 | — | $-1.4M |
| Q4 25 | — | 36.8% | ||
| Q3 25 | — | 34.0% | ||
| Q2 25 | — | 31.5% | ||
| Q1 25 | — | 29.8% | ||
| Q4 24 | — | 31.3% | ||
| Q3 24 | — | 29.5% | ||
| Q2 24 | — | 29.9% | ||
| Q1 24 | — | 24.5% |
| Q4 25 | 33.3% | 4.0% | ||
| Q3 25 | -7.0% | 3.6% | ||
| Q2 25 | 19.4% | 0.6% | ||
| Q1 25 | -72.0% | 0.3% | ||
| Q4 24 | — | 0.5% | ||
| Q3 24 | — | -2.5% | ||
| Q2 24 | — | -2.6% | ||
| Q1 24 | — | -15.5% |
| Q4 25 | 22.9% | 0.8% | ||
| Q3 25 | -3.2% | 2.0% | ||
| Q2 25 | 15.0% | -1.3% | ||
| Q1 25 | -50.5% | -1.3% | ||
| Q4 24 | — | -1.3% | ||
| Q3 24 | — | -4.2% | ||
| Q2 24 | — | -26.7% | ||
| Q1 24 | — | -10.1% |
| Q4 25 | — | $0.01 | ||
| Q3 25 | $-0.05 | $0.04 | ||
| Q2 25 | — | $-0.02 | ||
| Q1 25 | — | $-0.02 | ||
| Q4 24 | — | $-0.02 | ||
| Q3 24 | — | $-0.07 | ||
| Q2 24 | — | $-0.41 | ||
| Q1 24 | — | $-0.13 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $275.0M | $5.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $379.0M | $35.2M |
| Total Assets | $2.8B | $73.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $275.0M | $5.1M | ||
| Q3 25 | $208.3M | $3.0M | ||
| Q2 25 | $592.5M | $3.6M | ||
| Q1 25 | — | $1.3M | ||
| Q4 24 | — | $839.0K | ||
| Q3 24 | — | $1.8M | ||
| Q2 24 | — | $1.4M | ||
| Q1 24 | — | $4.5M |
| Q4 25 | $379.0M | $35.2M | ||
| Q3 25 | $372.0M | $34.8M | ||
| Q2 25 | $191.4M | $34.2M | ||
| Q1 25 | $186.1M | $34.2M | ||
| Q4 24 | — | $34.1M | ||
| Q3 24 | — | $34.1M | ||
| Q2 24 | — | $34.6M | ||
| Q1 24 | — | $38.7M |
| Q4 25 | $2.8B | $73.0M | ||
| Q3 25 | $2.8B | $73.2M | ||
| Q2 25 | $3.0B | $72.7M | ||
| Q1 25 | $2.7B | $70.4M | ||
| Q4 24 | — | $71.0M | ||
| Q3 24 | — | $71.9M | ||
| Q2 24 | — | $72.8M | ||
| Q1 24 | — | $79.1M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $28.4M | $2.1M |
| Free Cash FlowOCF − Capex | $24.1M | $2.0M |
| FCF MarginFCF / Revenue | 89.9% | 9.0% |
| Capex IntensityCapex / Revenue | 16.0% | 0.3% |
| Cash ConversionOCF / Net Profit | 5.32× | 12.13× |
| TTM Free Cash FlowTrailing 4 quarters | $40.2M | $4.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $28.4M | $2.1M | ||
| Q3 25 | $24.1M | $-311.0K | ||
| Q2 25 | $-2.3M | $2.2M | ||
| Q1 25 | $-2.2M | $601.0K | ||
| Q4 24 | — | $-244.0K | ||
| Q3 24 | — | $2.4M | ||
| Q2 24 | — | $197.0K | ||
| Q1 24 | — | $840.0K |
| Q4 25 | $24.1M | $2.0M | ||
| Q3 25 | $23.3M | $-419.0K | ||
| Q2 25 | $-3.3M | $2.2M | ||
| Q1 25 | $-3.9M | $574.0K | ||
| Q4 24 | — | $-418.0K | ||
| Q3 24 | — | $2.1M | ||
| Q2 24 | — | $28.0K | ||
| Q1 24 | — | $697.0K |
| Q4 25 | 89.9% | 9.0% | ||
| Q3 25 | 83.2% | -2.1% | ||
| Q2 25 | -12.8% | 11.4% | ||
| Q1 25 | -16.9% | 3.0% | ||
| Q4 24 | — | -2.3% | ||
| Q3 24 | — | 12.6% | ||
| Q2 24 | — | 0.2% | ||
| Q1 24 | — | 5.2% |
| Q4 25 | 16.0% | 0.3% | ||
| Q3 25 | 3.1% | 0.5% | ||
| Q2 25 | 3.7% | 0.2% | ||
| Q1 25 | 7.2% | 0.1% | ||
| Q4 24 | — | 0.9% | ||
| Q3 24 | — | 1.5% | ||
| Q2 24 | — | 1.0% | ||
| Q1 24 | — | 1.1% |
| Q4 25 | 5.32× | 12.13× | ||
| Q3 25 | — | -0.79× | ||
| Q2 25 | -0.60× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AVBC
Segment breakdown not available.
RFIL
| US | $20.9M | 92% |
| Non Us | $1.8M | 8% |
